Expertise.com

2024

Last updated:

Best Financial Advisors in San Clemente

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored San Clemente Financial Advisors on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

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10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider
SmartAdvisor by SmartAsset logo

SmartAdvisor by SmartAssetExpertise.com

San Clemente, CA
Free Consultation

Expertise.com Rating

Why choose this provider?

SmartAsset's free, five-minute tool makes it easy to find qualified financial advisors in your area. The exclusive tool uses a quick survey to help SmartAsset's exclusive algorithm match you with up to three advisors based on your specific financial needs. Each advisor is a fiduciary, legally bound to work in your best interest, and rigorously vetted by SmartAsset. You can speak with each for free, sometimes within a matter of minutes, and choose whom you want to work with. Hundreds of thousands of smart investors and retirees have already used SmartAsset's simple, no-cost service to find the right financial advisors for them.

  • Estate Planning
  • Investment Management
  • Financial Planning
  • Retirement Planning

San Clemente, CA

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Why choose this provider?

Need help contacting a Financial Advisor in San Clemente? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

19200 Von Karman Ave. Suite 1050, Irvine, CA 92612
WebsiteLicense: 108188

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Apriem Advisors is an independent firm that has been serving clients in San Clemente and neighboring areas since 1998. It offers financial services to industrial retirees, women of wisdom, multi-generational families, and charitable and nonprofit organizations. Its services include foundational asset management, financial and estate planning, portfolio construction, and market analyses. Co-founder Harmon A. Kong has CFP and AIF designations. He worked in an investment firm for almost a decade before founding Apriem with Mark Iwamoto, who holds an MBA.

  • Certified Financial Planner (CFP)

4001 MacArthur Blvd., 3rd Floor, Newport Beach, CA 92660
WebsiteLicense: 4937924

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Review Sources

Google
4.2 (5)
Facebook
4.3 (5)

Why choose this provider?

Tax & Financial Group is an independent firm that serves clients in the San Clemente area. It provides comprehensive financial services, such as risk management, financial planning, estate planning, and business advisory. It offers investment portfolio management, company-sponsored retirement plans, mutual funds, money manager analysis, and annuities. Its family wealth counseling includes redistribution of social capital, increased discretionary income, planned giving services, and philanthropic strategies. The company was recognized as part of the Top 20 of the Orange County Business Journal's 2020 List of Financial Advisors.

  • Retirement Planning

12520 High Bluff Drive, Suite 120, San Diego, CA 92130
WebsiteLicense: 133505

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Review Sources

Facebook
4.3 (6)
Google
5.0 (3)

Why choose this provider?

Overland & Shanahan Wealth Advisors, Inc., serves individuals, business owners, and executives in San Clemente. It offers personalized financial planning services that analyze clients' financial decisions and help them develop and establish financial goals. It handles estate and retirement planning, investment and tax management, and education expense planning. The company also assesses current insurance policies to look for better choices. Its founding partner, John P Overland, is a veteran with over 60 years of experience in financial planning.

  • Estate Planning
  • Certified Financial Planner (CFP)
  • Retirement Planning

185 Avenue La Pata Suite 206, San Clemente, CA 92673
WebsiteLicense: 5977424

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

NCG Financial is a wealth management firm that serves individuals and families from San Clemente and the surrounding areas. Its team provides financial planning services, including tax, retirement, estate, and college planning. It also advises on financial concepts and products such as 401(k), 403(b), bonds, common stock, and brokerage accounts. Founder Kenneth C. Annaloro Jr. has been working in the financial services industry for more than two decades. He is an Investment Advisor Representative.

  • Retirement Planning
  • Insurance Products

20 Executive Park, Suite 120, Irvine, CA 92614

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Review Sources

Google
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Atomi Financial Group lends its expertise to individuals, families, businesses, and non-profit clients in San Clemente and nearby areas. The firm offers financial planning, legacy planning, investment solutions, debt elimination, and business-related services. Some of its financial planning specialties include planning for women, divorcing individuals, asset protection, and tax reduction, as well as Social Security analysis and probate support. Each of the firm's fiduciaries holds more than 15 years of industry experience.

  • Estate Planning

31461 Rancho Viejo Rd #104, San Juan Capistrano, CA 92675

Expertise.com Rating

Review Sources

Facebook
5.0 (4)
Google
5.0 (1)

Why choose this provider?

Capital Financial is an independent firm that serves the San Clemente metro and its surrounding areas. It helps clients through numerous financial services—such as tax, investment, and estate planning—that seek to match strategies with common milestones. It also helps manage debt, offering to restructure debts and liabilities with the aim of improving clients' cash flows. It also analyzes retirement plans and devises improvements or alternatives, as necessary. Capital Financial's team shares a combined experience of more than 100 years.

  • Certified Financial Planner (CFP)

​25201 Paseo de Alicia, #125, Laguna Hills, CA 92653

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Emerald Blue Advisors is a firm that serves San Clemente. Its advisors create goal-based plans to help people manage every phase of their financial lives. They advise clients about investing in securities like ETFs, mutual funds, and UITs to grow their wealth. They offer life and long-term care insurance to protect them from financial risks. The firm’s other services include legacy, retirement income, and tax planning, as well as Social Security maximization. Emerald Blue Advisors carries over 20 years of industry experience.

  • Private Wealth Advisor

San Clemente, CA
WebsiteLicense: 137253

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Why choose this provider?

Trusted Financial Advisors is a firm that serves clients in San Clemente. It provides financial planning, wealth management, investment advice, portfolio management, and retirement planning services. It also offers income tax analysis, business planning, estate plan analysis, and annuity review. Its team has experience in bonds, stocks, corporate cash management, financial analysis, and risk management. Gary Miller, the company's financial advisor, is a CFP with over 30 years of industry experience. He has been featured in The Wall Street Journal, International Herald Tribune, and Barron's Magazine.

  • Retirement Planning

FAQs

  • Introduction

    There are many titles for financial professionals, so it's challenging to track what each one means. A financial advisor is probably the term you've heard most often. Financial advisor is a broad term for a professional who helps individuals or companies manage their finances, including investment choices. There are over 100 certifications that financial advisors can obtain.

    • Financial planners, wealth managers, and investment advisors are all financial advisors with different focus areas.
    • A financial planner helps an individual or a company make a plan to achieve long-term financial goals.
    • A wealth manager helps individuals maintain their wealth through various disciplines and services, such as taxes, estate planning, and investment advice.
    • An investment advisor offers investment advice and recommendations to individuals or organizations.
    There’s a misconception that you have to be extremely wealthy to use a financial advisor. In reality, they can be beneficial for people from any income level. Keep reading to find answers to the most commonly asked questions about financial advisors, so you know which type can fit your specific needs.

  • How does the "SECURE Act 2.0" impact retirement planning for San Clemente residents?

    The "SECURE Act 2.0" enhances retirement strategies for San Clemente citizens by increasing the Required Minimum Distribution age to 73 in 2023, then 75 by 2033. It allows individuals aged 50 and above to boost "catch-up" 401k contributions to $7,500 annually from 2023 and to $11,250 for those aged 60-63 starting in 2025. Furthermore, it enables employer-matched Roth 401k contributions and transfers from 529 savings to Roth IRAs.

  • What should individuals in San Clemente prioritize before hiring a financial advisor or making investments?

    Individuals in San Clemente should prioritize knowledge and careful investigation before hiring a financial advisor or making investments. Background checks on potential advisors are crucial, including verifying licenses and any disciplinary history. It is critical to ask questions to confirm compatibility and knowledge of the advisor's expertise. Individuals who are well-informed can make good investment selections and protect their hard-earned money against fraud. Ultimately, staying empowered throughout the process allows people to reach their financial objectives more efficiently.

  • How can firms in San Clemente switch from being state- to SEC-registered advisers and vice versa?

    Investment adviser firms in San Clemente can switch from state to SEC registration or vice versa by filing the "Apply for registration as an investment adviser with the SEC" on the IARD system. They should submit a "Partial ADV-W" to withdraw state registration upon SEC approval. To reverse this, they must mark "Apply for registration as an investment adviser with one or more states." After state registration approval, they can withdraw SEC registration with a "Partial ADV-W."

  • Why is it important for residents of San Clemente to carefully choose their retirement plan?

    Selecting a retirement plan is crucial for individuals in San Clemente because it affects tax payments, not immediately, but at a future distribution point. With certain workplace retirement accounts, especially those holding stocks, individuals can opt for Net Unrealized Appreciation (NUA) tax treatment. It's important to note that NUA rules are complex and only applicable to in-kind distributions. Hence, consulting a tax expert is highly advisable to navigate these regulations effectively.

  • What are the advantages of a Roth 401(k) for San Clemente residents?

    Roth 401(k) plans can be extremely helpful for San Clemente residents because post-tax contributions grow tax-free with no deductions during withdrawal. Unlike Roth IRAs, they are not bound by income limits, serving as an advantage for high earners. In the midst of California's rising living costs, the eventual demise of traditional pensions, and rising inflation, Roth 401(k) plans appear as a prudent solution to solving major retirement savings obstacles.

  • Are financial advisors worth it?

    Whether or not a financial advisor is worth it depends on your personal situation. If your finances are fairly straightforward, then you may be better off handling it on your own. But if you have substantial assets or a complex investment portfolio, then hiring someone to handle it for you can be well worth the cost.

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